Flutterwave Standard

Flutterwave Standard is our "standard" payments flow. Here's how it works:

  • From your server, call our create payment endpoint with the payment details.
  • We'll return a link to a payment page. Redirect your customer to this link to make the payment.
  • When the transaction is completed, we'll redirect the customer back to you.

Step 1: Assemble payment details

First, you need to assemble the payment details. Here are the details you'll need:

  • tx_ref: A reference code you'll generate to identify this transaction. This must be unique for every transaction

  • amount: The amount to charge the customer.

  • currency: The currency to charge in. If you don't specify a value, we'll assume "NGN"

  • redirect_url: The URL to redirect the customer to after payment is done.

  • customer: An object containing the customer details. An email is required, and you can also pass a name and phonenumber

  • meta (optional): An object containing any extra information you'd like to store alongside the transaction e.g {consumer_id: 23, consumer_mac: '92a3-912ba-1192a'}

  • customizations (optional): An object containing options to customize the look of the payment modal. You can set a title, logo, and description

  • subaccounts (optional): An array of objects containing the subaccount IDs to split the payment into. See Split payment for more on this.

  • payment_options (optional): The payment options to be displayed. See Payment methods.

    The payment_options field only works if you've unchecked Enable Dashboard Payment Options on your Account Settings.

  • payment_plan (optional): The payment plan ID (for when you're collecting a recurring payment)

Next, you'll initiate the payment by calling our API with the collected payment details (remember to authorize with your secret key). Here's an example in Node.js

const got = require("got");

try {
    const response = await got.post("https://api.flutterwave.com/v3/payments", {
        headers: {
            Authorization: `Bearer ${process.env.FLW_SECRET_KEY}`
        json: {
            tx_ref: "hooli-tx-1920bbtytty",
            amount: "100",
            currency: "NGN",
            redirect_url: "https://webhook.site/9d0b00ba-9a69-44fa-a43d-a82c33c36fdc",
            meta: {
                consumer_id: 23,
                consumer_mac: "92a3-912ba-1192a"
            customer: {
                email: "user@gmail.com",
                phonenumber: "080****4528",
                name: "Yemi Desola"
            customizations: {
                title: "Pied Piper Payments",
                logo: "http://www.piedpiper.com/app/themes/joystick-v27/images/logo.png"
} catch (err) {

And you'll get a response like this:

  "status": "success",
  "message": "Hosted Link",
  "data": {
    "link": "https://api.flutterwave.com/v3/hosted/pay/f524c1196ffda5556341"

Now all you need to do is redirect your customer to the link returned in data.link, and we'll display our checkout modal for them to complete the payment.

Step 4: After the payment

Four things will happen when payment is done (successful):

  1. We'll redirect to your redirect_url with status, tx_ref, and transaction_id query parameters after payment is complete.
  2. We'll send you a webhook if you have that enabled. Learn more about webhooks and see examples here.
  3. We'll send an email receipt to your customer if the payment was successful (unless you've disabled that).
  4. We'll send you an email notification (unless you've disabled that).

On your server, you should handle the redirect and always verify the final state of the transaction.

Here's what transaction verification could look like in a Node.js app with our backend SDK:

app.get('/payment-callback', async (req, res) => {
    if (req.query.status === 'successful') {
        const transactionDetails = await Transaction.find({ref: req.query.tx_ref});
        const response = await flw.Transaction.verify({id: req.query.transaction_id});
        if (
            response.data.status === "successful"
            && response.data.amount === transactionDetails.amount
            && response.data.currency === "NGN") {
            // Success! Confirm the customer's payment
        } else {
            // Inform the customer their payment was unsuccessful

What if the payment fails?

If the payment attempt fails (for instance, due to insufficient funds), you don't need to do anything. We'll keep the payment page open, so the customer can try again until the payment succeeds or they choose to cancel, after which we'll redirect to the redirect_url with the query parameters tx_ref and a status of "failed".

If you have webhooks enabled, we'll send you a notification for each failed payment attempt. This is useful in case you want to later reach out to customers who had issues paying. See our webhooks guide for an example.